Credit Reports?

Question

Now that i have my credit report how do I go about contacting old accounts and getting them resloved or paid off.

Any Suggestions would be helpfull

Answer 1

Gather up 25-50% of the balance on the lowest account. Call that one & try to agree to a one-time settlement in full. For example, if you owe $2000, try to get them to take <$1000. They will if they are smart. Make them send you something IN WRITING offering a SETTLEMENT IN FULL. Then pay by money order or cashier's check or even Western Union, but NEVER, NEVER, NEVER let them have your checking or savings account or debit card information. Collectors are generally scum, & they will CLEAN YOU OUT if you give them the means. Keep a copy of the letter they send & of your money order stapled together for the rest of your natural life. (These turkeys tend to come back later to try to collect again or sell it to another collector who will do so.) After settling with the first one (or getting nowhere with them), call the next smallest one & follow the same procedure. Eventually, you should be able to settle with all of them. Another recommendation: Call them only from a payphone or disposable cell. If you let them have your home/work/cell/auntie's phone number, they will harangue you until you go nuts & probably spill your private business to your coworker/boss/Aunt Edna. Finally, remeber this: Collectors are one of the lower forms of human life. Give them absolutely NO personal information other than your debt account number from your credit report & the amount you are willing to settle it for & an address to which to mail a settlement offer. Do not tell them you like movies, kids, Jesus, Ghandi or sports cars; they are SCUM & will use any information you provide against you.

Good luck to you.

Answer 2

There should be a list of addresses and phone numbers of all the accounts you had on the last couple of pages of the report.

Once the acccounts are paid off, be sure to have the company send you something IN WRITING showing the account was satisfied. Also, contact Equifax, Trans Union and Experian (the three major credit agenices) and have them report the account as "paid in full, account satisified". That helps to raise your credit scores quicker.

Good Luck!

Answer 3

At the bottom of your report should be the creditors contact addresses/numbers. Write or call and give them your current contact information and request a bill. When it arrives call them and see if you can negotiate payment in exchange for deletion on your report.

Once things are paid, launch disputes immediately online. At the least, it will be updated as paid in full. At the best, the creditor may not respond (they got their money so they dont care) and it can be deleted. It works about 50% of the time on legitimate accounts.

Answer 4

go to the back page, it lists all creditors and phone numbers. Have your account #'s handy!

Answer 5

call the company that you had the original bill with they may have some information for you